What is Bread Financial Holdings's debt-to-assets?

Bread Financial Holdings (BFH) reported debt-to-assets of 0× in Q4 2025.

How has Bread Financial Holdings's debt-to-assets changed year-over-year?

Bread Financial Holdings's debt-to-assets decreased by 98.5% year-over-year, from 0.2× to 0×.

What is the long-term trend for Bread Financial Holdings's debt-to-assets?

Over 5 years (2020 to 2025), Bread Financial Holdings's debt-to-assets has grown at a -12.9% compound annual growth rate (CAGR), from 0× to 0×.

What does debt-to-assets mean?

Total debt divided by total assets at the quarter end. Measures the share of the asset base financed by debt.

Bread Financial Holdings BFH Debt-to-assets

Debt-to-assets at other companies

Capital One FinancialCOF

0.1×0.0×

Synchrony FinancialSYF

0.1×0.0×

PayPal Holdings, Inc.PYPL

0.1×0.0×

Affirm Holdings, Inc.AFRM

0.7×0.0×

CVB FinancialCVBF

0×0.0×

Commerce BancsharesCBSH

0×0.0×

Other financials

Income statement

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Revenue$1.0B+4.9%

Gross profit$361.8M—

Operating income$382.8M—

Net income$181.0M+31.2%

EPS (diluted)$4.15+49.3%

Balance sheet

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Cash & equivalents$4.0B-6.6%

Total debt$85.0M-98.5%

Total equity$3.3B+8.4%

Total assets$22.3B-0.3%

Cash flow

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Operating cash flow$487.0M+23.9%

CapEx$15.0M-40.0%

Free cash flow$482.0M+55.5%

Valuation

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Market cap$4.19B+31.3%

Profitability

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Gross margin52%—

Operating margin45.9%—

Net margin14.4%+7.1pp

FCF margin46.5%+1.9pp

Returns & leverage

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Return on equity17.6%+8.4pp

Debt / equity0×-1.8×

Current ratio1.5×—

Where this comes from

Calculated from Bread Financial Holdings’s reported figures.

total debt/total assets=0×

Based on the most recent quarter.

The official record: Bread Financial Holdings’s 10-Q, filed April 28, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Bread Financial Holdings's debt-to-assets?: Bread Financial Holdings (BFH) reported debt-to-assets of 0× in Q4 2025.
How has Bread Financial Holdings's debt-to-assets changed year-over-year?: Bread Financial Holdings's debt-to-assets decreased by 98.5% year-over-year, from 0.2× to 0×.
What is the long-term trend for Bread Financial Holdings's debt-to-assets?: Over 5 years (2020 to 2025), Bread Financial Holdings's debt-to-assets has grown at a -12.9% compound annual growth rate (CAGR), from 0× to 0×.
What does debt-to-assets mean?: Total debt divided by total assets at the quarter end. Measures the share of the asset base financed by debt.